# ATOMIC
Piketon, OH · NCUA charter 63532 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/atomic-63532

Who the members are: state charter, organized 1955, low-income designated. 87,892 members of 130,000 potential (67.6% of the field); checking penetration 149% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $847.9M |
| Members | 87,892 (7.7% YoY) |
| Full-time staff | 246 |
| Net worth | $68.7M |
| Net worth ratio | 8.1% (p8 of band) |
| ROA (annualized) | 0.76% (p60 of band) |
| Total delinquency | 0.24% (p15 of band) |
| Net charge-offs (annualized) | 0.37% (p46 of band) |
| Loans / shares | 89% (p76 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p91 of band) |
| Operating expense / assets | 5.09% (p96 of band) |
| Vehicles % of loans | 42% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 246% (p82 of band) |
| Vehicle delinquency | 0.37% (p32 of band) |
| Vehicle NCO | 0.48% (p29 of band) |
| Repossessed % of vehicle book | 0.01% (p39 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 111% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 37% |
| Average share balance | $5,529 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $20,529 |
| Loans granted, annualized | $263.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 7 | capital below 7% |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze, capital below 7% |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 3 |  | delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | net worth falling, loans>95% of shares | delinquency rising |
| 2024-09 | 4 |  | loans>95% of shares |
| 2024-12 | 3 |  | net worth falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [Credit unions won’t apologize for success that benefits Ohio - - The Vindicator](https://news.google.com/rss/articles/CBMirgFBVV95cUxPU192X292R19meERPS3g1akMwbnEzZnVJVHBtN1I1U1VISV9ORkU4Zklqa3pieXZ3bk1FNXB4NGY0YjhSLVltUlhDNFN1TTVVVTFXUFV4ajRPaEtkZ2xsYkFBTk9lYkllQ2NCUFZRWGxHbW93UkNEbHNNQjhaZDR6YjUtYjR6ZHI2dktXcXFkUE50bmdGQVpxT05admQtTGlMeHdlOXhrMTRzMkhHNUE?oc=5) · The Vindicator
- 2026-07-18 [Roger D. Strausbaugh Obituary (2026) - Chillicothe, OH - Fawcett Oliver Glass and Palmer Funeral Home - Chillicothe - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaVVwTjdsSl9LS0V5cmwtY1ZoVW9wSS1ROEJkUjBmNF9pR0lvTVlQTjRFNmxWbEg2dVI1aTY0WUtxeVprR1BObU1tbHNOR1Nta1o2VHRSMW1sbFZyeGFYZVdTQUhPVXlKckNsTF9LbVllRlFic0R4bTZFcm95S01mbEpYcW44Sk0?oc=5) · legacy.com
- 2025-01-14 [Atomic Credit Union announces expansion at Piketon branch - The Athens Messenger](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQbTZrVUU1VUJJQXROVkxYOUVjRGZzQlNHeHFYRVV4bUFtSUVZMDRsNHpoUmJSd2RjcmtsUmVoNXZPRncyMWdiNGxrX1FMc3UwUWpTZHN1THc4NC1fd1dDZmkyNjZQYnRiU3ZhQWNJRmV0ODhBbzhxd3NvMlgzMTNpNU40a25zWS0wVjVSdkZsS2lNT1c0ZkM3VGs0bGhCTTl3UGFLdExXb1UzMzNwaXJWUzVLZnNacGUzRzlSbGJvZ0NpSEp5dUlBYmJtV3kyeWJwZGlkYlRsajB0bE5BN3NTVFVHOGpkQQ?oc=5) · The Athens Messenger
- 2025-01-15 [Atomic Credit Union expanding its corporate headquarters in Piketon - Chillicothe Gazette](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOd3VpRHM2dnNSZmQ2anVPVVJmR2F5Vkh5N0U2aHczT0xMWEJRUVRTNmJqNGFQU0FhZW5Pai01QzU2OGM1TnRaakd1bG1ST1RTam5PZE50ekxNcFJhSzZYN1lHbDV6NjVZVmpRWHhMTWR2a19QLUFLRlNnWE1ubFotNmtuaUlZOE04aU5lU0tJVm1aS1NvR0dtaXpFSWtEZnVFQzZtcTVsRV9xWlEtLV9aYnowcldUNVcyVHBBZWd4OTBaT0l0ZTFuODdsQlQ4c1lROVFpbXlQMUgwT0ZmbHNCT1gwdl9zUWs2X2FHUkw3MW5BT3lv?oc=5) · Chillicothe Gazette
- 2025-07-16 [Atomic CU’s Decade of Financial Literacy Work Fuels New State Education Policy - Scioto County Daily News](https://news.google.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?oc=5) · Scioto County Daily News
- 2024-01-04 [Atomic Credit Union named first in state for youth financial education program - Record Herald](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRVRibHNYWElYSjNhdFRadWIwbTBRUVB3eUFCR2hOdmdrMWFKRjNTR2N5YlpHOXBDMWo3QUpCTnlfZWhKOERvV3Y0Z1QyMjNzcDduem5wV2piajc4S0pwQW5OMl9fQUV5ajhsTjFfN2VQSWdwM2duVXhmaGMwM0hIdnhVdFB0RkQ0U1FFemZndG1xTDRvd0JpQWF4R3huSEdVVFJRNGlvdnprN3ZWMUNINEJFWGRySnI2RzEw?oc=5) · Record Herald
- 2023-10-27 [Atomic Credit Union opens Circleville location - Circleville Herald](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNVzdBZVBWLVRhd1N0RjhLWXZXRnRqQzduY0VLS0l5NHdNLXdqQ1VZQmh4WFZXeGlSQkhnbzY5eXFCdjZfcll2ek44Nm5jUkUtTVp1WHN2cGw1OVVwRXVhcjhTMnAtXzVDV1daaEVMUlppN0xIaUlvSm9HRllENV9pdjA4MUdNbUhyNkxqakxUTTNXNUZIWFYwUThPMnFCZTVhTHQtSGhhMFpha1dtRldUQWlHUERrREpxa200OGdjODJLWFJUUnRfYnRhVGxfck9L?oc=5) · Circleville Herald
- 2023-10-28 [Atomic Credit Union Opens New Branch in Circleville - Scioto Post](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMVhoazdNRWRUMEtxZHFlTDZzYU8xZXNrTXpRTENKbWwzR0QtRWFNNlNlcEJmS0ZkM2NSNlZoM3RFUnVRYjBUVC1oY0R3SHNUTElQbTdkM3RfUktka09iTjltdUs0U01TTHVJTWFxRm5FM2xpSGxSX19Ta2Zpa3luZndueC1Kdw?oc=5) · Scioto Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63532 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "63532", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63532
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide